CN111738728A - Transaction compensation method and device - Google Patents

Transaction compensation method and device Download PDF

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Publication number
CN111738728A
CN111738728A CN202010411824.3A CN202010411824A CN111738728A CN 111738728 A CN111738728 A CN 111738728A CN 202010411824 A CN202010411824 A CN 202010411824A CN 111738728 A CN111738728 A CN 111738728A
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compensation
order
time
transaction
task
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贺夕政
王原军
包玉雪
陈旭
葛林峰
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Suning Financial Technology Nanjing Co Ltd
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Suning Financial Technology Nanjing Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405Establishing or using transaction specific rules
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

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  • Engineering & Computer Science (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses a transaction compensation method and a transaction compensation device, relates to the technical field of financial payment, and can realize second-level response of transaction compensation when payment transaction is abnormal, so that the payment experience of a user is improved. The method comprises the following steps: acquiring a trade order with changed state from a service system; calculating the compensation initiation time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table; caching the transaction orders to a memory queue according to the sequence of the compensation initiation time; and scanning order tasks in the memory queue at regular time, and informing the service system to initiate compensation action to the corresponding transaction order when the compensation initiating time is reached. The device is applied with the method provided by the scheme.

Description

Transaction compensation method and device
Technical Field
The invention relates to the technical field of financial payment, in particular to a transaction compensation method and device.
Background
The transaction links involved in the payment transaction are relatively long, the number of systems involved in a payment transaction can be as many as hundreds, and the exception or timeout of any one system can cause the transaction order to be in an abnormal state. Some of these orders with abnormal transaction status have completed bank deductions, the customer funds have been transferred to the payment institution account, but the payment abnormality is displayed on the user's payment interface, so it is necessary for the payment institution to make compensation actions for such abnormal transaction orders to inquire out the actual status of the deduction and inform the merchant.
Due to the reasons of network and bank, any payment mechanism can not ensure that each payment transaction can synchronously obtain the final result, so that the compensation transaction mechanism is indispensable in the field of financial payment, and the quality of the compensation transaction mechanism can directly influence the payment experience of a user and even influence the competitiveness of a payment product.
Disclosure of Invention
The invention aims to provide a transaction compensation method and a transaction compensation device, which can realize second-level response of transaction compensation when a payment transaction is abnormal, and improve the payment experience of a user.
To achieve the above object, an aspect of the present invention provides a transaction compensation method, including:
acquiring a trade order with changed state from a service system;
calculating compensation initiating time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table;
caching the transaction orders to a memory queue according to the sequence of the compensation initiation time;
and scanning order tasks in the memory queue at regular time, and informing a service system to initiate compensation action to the corresponding transaction order when compensation initiating time is reached.
Preferably, the method for acquiring a state change transaction order from a business system comprises:
the method comprises the steps of subscribing a database log from a service system through a real-time data replication platform, and receiving a transaction order form which is changed in the service system, wherein the transaction order form comprises a plurality of transaction orders, and the transaction orders comprise order numbers, transaction amounts, update time and update states.
Preferably, before calculating the compensation initiation time of each trade order based on the update time of the trade order and the compensation time of the corresponding trade order in the task configuration table, the method further comprises:
and pre-deploying a task configuration table in the server, wherein the task configuration table is configured with compensation time corresponding to various trading orders.
Further, the method for calculating the compensation initiation time of each trade order based on the update time of the trade order and the compensation time of the corresponding trade order in the task configuration table comprises the following steps:
extracting the updating time of each trading order in the trading order table;
traversing the trade order, and searching compensation time corresponding to the trade order from a task configuration table;
and adding the updating time of the trading orders and the corresponding compensation time to obtain the compensation initiating time of each trading order.
Preferably, before caching the trade order into the memory queue according to the sequence of the compensation initiation time, the method further includes:
constructing a plurality of compensation queues of the step aging, wherein each compensation queue is used for processing the transaction order compensation action of the corresponding aging;
the compensation queue comprises a second-level memory compensation queue and a grading memory compensation queue.
Preferably, the method for scanning order tasks in the memory queue at regular time and informing the service system to initiate the compensation action to the corresponding trade order when the compensation initiation time is reached includes:
caching all the transaction orders to a second-level memory compensation queue;
and executing the second-level compensation task once every second, scanning the order task with the compensation initiating time reaching the current time from the second-level compensation queue, and informing the business system of the order task to initiate the compensation action to the corresponding trading order.
Preferably, the method for scanning order tasks in the memory queue at regular time and notifying the service system to initiate a compensation action to the corresponding trade order when the compensation initiation time is reached further includes:
after the last second-level compensation task is executed, summarizing the transaction orders with failed compensation and emptying the cache of a second-level memory compensation queue;
caching the transaction orders with failed compensation to a hierarchical memory compensation queue according to the sequence of compensation initiation time;
and executing a grading compensation task once every minute, scanning an order task with compensation initiating time reaching the current time from a grading memory compensation queue, and informing a service system of the order task to initiate a compensation action to the corresponding trading order.
Preferably, the method for scanning order tasks in the memory queue at regular time and notifying the service system to initiate a compensation action to the corresponding trade order when the compensation initiation time is reached further includes:
after the last grading compensation task is completed, summarizing the transaction orders which are failed in the secondary compensation and emptying the cache of the grading memory compensation queue;
and adding the trade orders failing to compensate again to an abnormal task table, and informing manual intervention processing.
Compared with the prior art, the transaction compensation method provided by the invention has the following beneficial effects:
the transaction compensation method provided by the invention comprises the steps of firstly obtaining transaction orders with changed states from a service system, extracting compensation time corresponding to the transaction orders from a task configuration table, adding the updating time of each transaction order with the corresponding compensation time in the task configuration table to obtain the compensation initiating time of each transaction order with changed states, then caching the transaction orders into a memory queue according to the sequence of the compensation initiating time, regularly scanning order tasks in the memory queue by using a big data tool Flink, and timely informing the service system to initiate compensation action to the corresponding transaction orders through an MQ when the compensation initiating time is reached.
Therefore, compared with a disk scanning compensation scheme adopted in the prior art, the invention uses a memory flow type calculation scheme instead, and can decouple transaction and compensation so as to improve the system performance; in addition, the big data tool Flink is adopted, second-level calculation of order tasks in the memory queue can be achieved, and the compensation speed of abnormal payment transaction orders is greatly improved.
Another aspect of the present invention provides a transaction compensation device, to which the above-mentioned transaction compensation method is applied, the device including:
the real-time data copying unit is used for acquiring the trade orders with changed states from the service system;
the flow message processing unit is used for calculating the compensation initiating time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table;
the queue caching unit is used for caching the transaction orders to a memory queue according to the sequence of the compensation initiation time;
and the task processing unit is used for scanning order tasks in the memory queue at regular time and informing the service system to initiate compensation action to the corresponding transaction order when the compensation initiating time is reached.
Compared with the prior art, the transaction compensation device provided by the invention has the same beneficial effects as the transaction compensation method provided by the technical scheme, and the details are not repeated herein.
A third aspect of the invention provides a computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the above-described transaction compensation method.
Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the invention are the same as the beneficial effects of the transaction compensation method provided by the technical scheme, and are not repeated herein.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the invention and not to limit the invention. In the drawings:
FIG. 1 is a schematic flow chart illustrating a transaction compensation method according to an embodiment;
fig. 2 is another flow chart illustrating a transaction compensation method according to an embodiment.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Example one
Referring to fig. 1, the present embodiment provides a transaction compensation method, including:
acquiring a trade order with changed state from a service system; calculating the compensation initiation time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table; caching the transaction orders to a memory queue according to the sequence of the compensation initiation time; and scanning order tasks in the memory queue at regular time, and informing the service system to initiate compensation action to the corresponding transaction order when the compensation initiating time is reached.
In the transaction compensation method provided by this embodiment, first, the transaction orders with changed states and abnormal states are obtained from the service system, the compensation time corresponding to the transaction orders is extracted from the task configuration table, the compensation initiation time of the transaction orders with changed states can be obtained by adding the update time of each transaction order to the compensation time corresponding to the task configuration table, then the transaction orders are cached to the memory queue according to the sequence of the compensation initiation time, the order tasks in the memory queue are periodically scanned by using the big data tool Flink, and the service system is timely notified to initiate the compensation action to the corresponding transaction orders through the MQ when the compensation initiation time is reached.
Therefore, compared with a disk scanning compensation scheme adopted in the prior art, the embodiment uses a memory flow type calculation scheme instead, and can decouple transaction and compensation so as to improve the system performance; in addition, the big data tool Flink is adopted, second-level calculation of order tasks in the memory queue can be achieved, and the compensation speed of abnormal payment transaction orders is greatly improved.
Specifically, the method for acquiring a state change transaction order from a business system in the above embodiment includes:
and subscribing a database log from the service system through the real-time data replication platform, and receiving a transaction order form which is changed in the service system, wherein the transaction order form comprises a plurality of transaction orders, and the dimensions of the transaction orders comprise order numbers, transaction amounts, update time and update states.
In consideration of the complexity of the system, a plurality of business systems may exist simultaneously, each business system may simultaneously deploy a plurality of databases, and the plurality of databases may simultaneously generate a plurality of transaction order tables with changed states.
In specific implementation, a binlog log is subscribed from a mysql database of a business system through a real-time data replication platform (RDRS), and then a transaction order table with changed and abnormal state is obtained from the binlog log, where the state change includes three change forms of adding, modifying and deleting.
In the above embodiment, before calculating the compensation initiation time of each trade order based on the update time of the trade order and the compensation time of the corresponding trade order in the task configuration table, the method further includes:
and a task configuration table is pre-deployed in the server, and compensation time corresponding to various trading orders is configured in the task configuration table. The role of the task configuration table can be understood as that, the compensation time of the common abnormal trading order is configured in advance in a table building mode, and when the trading order with changed state and failed trading is obtained from the business system, the compensation time of the corresponding trading order is obtained from the task configuration table in a table look-up mode, so that the compensation initiating time of the trading order can be rapidly calculated.
Further, in the above embodiment, the method for calculating the compensation initiation time of each trade order based on the update time of the trade order and the compensation time of the corresponding trade order in the task configuration table includes:
extracting the updating time of each trading order in the trading order table; traversing the trade order, and searching the compensation time corresponding to the trade order from the task configuration table; and adding the updating time and the corresponding compensation time of the trading orders to obtain the compensation initiating time of each trading order.
Referring to fig. 2, the above implementation process may be implemented by a streaming message processing component deployed at the Flink end, where the streaming message processing component pulls the generated trade order data from the real-time data replication platform in real time through kafka, and further calculates the compensation initiation time of each abnormal trade order with a changed state.
In the above embodiment, before caching the trade order into the memory queue according to the sequence of the compensation initiation time, the method further includes:
constructing a plurality of compensation queues of the step aging in the server, wherein each compensation queue is used for processing the corresponding aging transaction order compensation action; the compensation queue comprises a second-class memory compensation queue and a grading memory compensation queue.
In specific implementation, as shown in fig. 2, the order task in the second-level memory compensation queue is processed by deploying the second-level task processing component in the Flink end, and the order task in the hierarchical memory compensation queue is processed by deploying the hierarchical task processing component in the Flink end. By adopting the second-level and hierarchical cooperative processing scheme, the second-level compensation action can be preferentially implemented on the order tasks with high time efficiency requirements, and the hierarchical compensation action is implemented on the order tasks with failure second-level compensation action and low time efficiency requirements, so that the timeliness of the compensation action can be considered while the execution rate of the compensation action is taken into account through a two-level complementary mode.
Specifically, the method for scanning order tasks in the memory queue at regular time and notifying the service system to initiate the compensation action to the corresponding transaction order when the compensation initiation time is reached in the embodiment includes:
completely caching the trade orders to a second-level memory compensation queue; and executing the second-level compensation task once every second, scanning the order task with the compensation initiating time reaching the current time from the second-level compensation queue through the second-level task processing component, and informing the service system of initiating the compensation action to the corresponding transaction order by the order task in an MQ mode.
After the last second-level compensation task is executed, summarizing the transaction orders which fail to be compensated or are still to be compensated, and emptying the cache of the second-level memory compensation queue; caching the trade orders which fail to be compensated or are to be compensated into a hierarchical memory compensation queue according to the sequence of compensation initiation time; and executing a grading compensation task once every minute, scanning an order task with compensation initiating time reaching the current time from the grading memory compensation queue through a grading task processing component, and informing the order task to initiate a compensation action to a corresponding transaction order by a service system in an MQ mode.
Further, after the last stage compensation task is completed, summarizing the transaction orders which fail to be compensated again or are still to be compensated, and emptying the cache of the stage memory compensation queue; and sending kafka to inform a server to record abnormal order information, adding the transaction order which fails to be compensated again or is still to be compensated to an abnormal task table by a warehousing component, and informing manual intervention processing.
In addition, the server also comprises a manual exception handling module which is used for providing a manual trigger compensation processing function for the transaction orders in the exception task table.
The streaming message processing component also provides a big data reconciliation function, when the streaming message processing component runs, the condition that the order to be compensated is lost possibly caused by downtime is generated, in order to ensure the integrity of the compensation data, the order task is analyzed through the big data reconciliation, the potentially lost order to be compensated is calculated every day and is compensated into the abnormal task table, so as to ensure the accuracy of the final compensation data.
The above embodiment scheme has the following technical effects:
1. functional decoupling: the transaction compensation and the transaction are decoupled from the system level, so that the complexity of the transaction system is reduced, and the performance of the transaction system is improved.
2. And (3) improving the real-time performance of compensation: and the Flink is used for performing quasi-real-time memory calculation, so that the real-time performance and flexibility of compensation are improved, second-level compensation can be realized, and the user experience is improved.
3. Unified compensation: the trading system does not need to repeatedly build a compensation component, the workload of repeated development of the system is reduced, and the stability of the system is ensured.
Example two
The embodiment provides a transaction compensation device, which comprises:
the real-time data copying unit is used for acquiring the trade orders with changed states from the service system;
the flow message processing unit is used for calculating the compensation initiating time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table;
the queue caching unit is used for caching the transaction orders to a memory queue according to the sequence of the compensation initiation time;
and the task processing unit is used for scanning order tasks in the memory queue at regular time and informing the service system to initiate compensation action to the corresponding transaction order when the compensation initiating time is reached.
Compared with the prior art, the beneficial effects of the transaction compensation device provided by the embodiment are the same as those of the transaction compensation method provided by the above embodiment, and are not repeated herein.
EXAMPLE III
The present embodiment provides a computer-readable storage medium having a computer program stored thereon, the computer program, when executed by a processor, performs the steps of the transaction compensation method described above.
Compared with the prior art, the beneficial effects of the computer-readable storage medium provided by the embodiment are the same as the beneficial effects of the transaction compensation method provided by the above technical scheme, and are not described herein again.
It will be understood by those skilled in the art that all or part of the steps in the method for implementing the invention may be implemented by hardware that is instructed to be associated with a program, the program may be stored in a computer-readable storage medium, and when the program is executed, the program includes the steps of the method of the embodiment, and the storage medium may be: ROM/RAM, magnetic disks, optical disks, memory cards, and the like.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and the changes or substitutions should be covered within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the appended claims.

Claims (10)

1. A transaction compensation method, comprising:
acquiring a trade order with changed state from a service system;
calculating compensation initiating time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table;
caching the transaction orders to a memory queue according to the sequence of the compensation initiation time;
and scanning order tasks in the memory queue at regular time, and informing a service system to initiate compensation action to the corresponding transaction order when compensation initiating time is reached.
2. The method of claim 1, wherein the method of obtaining a trade order for a status change from a business system comprises:
subscribing a database log from a service system through a real-time data replication platform, and receiving a transaction order form with changed state in the service system;
the trade order table includes a plurality of trade orders, the trade orders including an order number, a trade amount, an update time, and an update status.
3. The method of claim 2, wherein prior to calculating the compensation initiation time for each of the trade orders based on the update time for the trade order and the compensation time for the corresponding trade order in the task configuration table, further comprises:
and pre-deploying a task configuration table in the server, wherein the task configuration table is configured with compensation time corresponding to various trading orders.
4. The method of claim 3, wherein calculating the offset initiation time for each of the trade orders based on the update time for the trade order and the offset time for the corresponding trade order in the task configuration table comprises:
extracting the updating time of each trading order in the trading order table;
traversing the trade order, and searching compensation time corresponding to the trade order from a task configuration table;
and adding the updating time of the trading orders and the corresponding compensation time to obtain the compensation initiating time of each trading order.
5. The method of any of claims 1-4, further comprising, prior to buffering the trade order to a memory queue in chronological order of compensation initiation time:
constructing a plurality of compensation queues of the step aging, wherein each compensation queue is used for processing the transaction order compensation action of the corresponding aging;
the compensation queue comprises a second-level memory compensation queue and a grading memory compensation queue.
6. The method of claim 5, wherein the method for periodically scanning the order task in the memory queue and informing the business system to initiate compensation action to the corresponding transaction order when the compensation initiation time is reached comprises:
caching all the transaction orders to a second-level memory compensation queue;
and executing the second-level compensation task once every second, scanning the order task with the compensation initiating time reaching the current time from the second-level compensation queue, and informing the business system of the order task to initiate the compensation action to the corresponding trading order.
7. The method of claim 6, wherein the method for periodically scanning the order task in the memory queue and informing the business system to initiate compensation action to the corresponding transaction order when the compensation initiation time is reached further comprises:
after the last second-level compensation task is executed, summarizing the transaction orders with failed compensation and emptying the cache of a second-level memory compensation queue;
caching the transaction orders with failed compensation to a hierarchical memory compensation queue according to the sequence of compensation initiation time;
and executing a grading compensation task once every minute, scanning an order task with compensation initiating time reaching the current time from a grading memory compensation queue, and informing a service system of the order task to initiate a compensation action to the corresponding trading order.
8. The method of claim 7, wherein the method for periodically scanning the order task in the memory queue and informing the business system to initiate a compensation action to the corresponding transaction order when the compensation initiation time is reached further comprises:
after the last grading compensation task is completed, summarizing the transaction orders which are failed in the secondary compensation and emptying the cache of the grading memory compensation queue;
and adding the trade orders failing to compensate again to an abnormal task table, and informing manual intervention processing.
9. A transaction compensation apparatus, comprising:
the real-time data copying unit is used for acquiring the trade orders with changed states from the service system;
the flow message processing unit is used for calculating the compensation initiating time of each trading order based on the updating time of the trading order and the compensation time of the corresponding trading order in the task configuration table;
the queue caching unit is used for caching the transaction orders to a memory queue according to the sequence of the compensation initiation time;
and the task processing unit is used for scanning order tasks in the memory queue at regular time and informing the service system to initiate compensation action to the corresponding transaction order when the compensation initiating time is reached.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of the claims 1 to 8.
CN202010411824.3A 2020-05-15 2020-05-15 Transaction compensation method and device Pending CN111738728A (en)

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CN113807923A (en) * 2021-09-23 2021-12-17 杭州右文网络科技有限公司 Order processing method and device, electronic equipment and readable storage medium
CN116560896A (en) * 2023-07-11 2023-08-08 智慧眼科技股份有限公司 Abnormality compensation method, device, equipment and storage medium

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CN110535689A (en) * 2019-08-07 2019-12-03 北京数衍科技有限公司 The middleware framework and method that compensation mechanism is realized are interrupted for flow of event
CN110837409A (en) * 2018-08-16 2020-02-25 北京京东尚科信息技术有限公司 Method and system for executing task regularly

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CN107833113A (en) * 2017-12-06 2018-03-23 福建中金在线信息科技有限公司 Abnormal order processing method, apparatus and electronic equipment
CN109034948A (en) * 2018-06-27 2018-12-18 阿里巴巴集团控股有限公司 Transaction processing method, device, equipment and system
CN110837409A (en) * 2018-08-16 2020-02-25 北京京东尚科信息技术有限公司 Method and system for executing task regularly
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CN113807923A (en) * 2021-09-23 2021-12-17 杭州右文网络科技有限公司 Order processing method and device, electronic equipment and readable storage medium
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CN116560896B (en) * 2023-07-11 2023-10-10 智慧眼科技股份有限公司 Abnormality compensation method, device, equipment and storage medium

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